Suryoday Small Finance Bank Suryoday SFB Stable Money Rupay Select Credit Card

Charge

• Effective w.e.f 15 November 2025 (Stable Money SSFB Select RuPay): Finance Charge (APR) 2.95% p.m. (35.40% p.a.) + GST on revolving credit and cash advances.
• Cash Advance Fee up to 2.5% of amount withdrawn, minimum ₹500 + GST (cash advances restricted to 20% of credit limit).
• Late Payment Fee 1% of amount payable or ₹250 whichever is lower + GST.
• Foreign Currency Surcharge 2.50% + GST.
• Physical Card Issuance Fee ₹150 + GST.
• Issuance Fee ₹150 + GST.
• Card Closure Fee ₹150 + GST.
• Card Replacement Fee ₹150 + GST.
• GST 18%.
• Minimum Payment Due 10% of billed amount plus EMIs and any overdue/overlimit amounts.
• EMI Interest Rate 18% p.a.
• EMI Tenure 3,6,9,12 months.
• EMI Processing Fee 3% of principal or ₹300 whichever greater.
• EMI Preclosure Charges 3% of principal outstanding or ₹300 whichever greater.
• Fuel Surcharge 1% of transaction amount.
• Surcharge on Rental Payments 1% (MCC 6513, max 40% of credit limit per calendar month).
• Overlimit Fee NA.

Verified · Key Fact Statement (KFS) – Stable Money SSFB RuPay Select Credit Card (Nov 2025) · 2026-08-03 · source

Interest-free period

• Interest-free period from the statement date to the Payment Due Date.
• 20 days from statement generation to repay dues.
• Can range from 14 to 20 days depending on transaction date (up to 50 days from purchase date).
• Does not apply to Cash Advance Transactions and is suspended if any previous month's balance is unpaid.

Verified · Key Fact Statement (KFS) – Stable Money SSFB RuPay Select Credit Card (Nov 2025) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge on fuel payments (plus GST/other govt taxes).
• Fuel surcharge waiver limited to ₹40,000 in a calendar month with no single transaction over ₹8,000.
• No waiver on transactions above these limits.

Verified · Most Important Terms & Conditions (MITC) – SSFB RuPay Select Credit Card (Nov 2025) · 2026-08-03 · source

Reward cap

Cashback capped at ₹3,000 in a billing cycle.

Verified · harvested from product page · 2026-08-03 · source

Reward exclusion

Verified · harvested from product page · 2026-08-03 · source

Golf benefit

Golf Program: Access to over 20+ premium golf courses with a complimentary golf game / lesson every year.

Verified · Suryoday SFB Stable Money Rupay Select Credit Card product page · 2026-08-03 · source

Eligibility

• Individuals - Indian citizens and residents, with fixed deposits (FD-backed card).
• Credit limit linked to FD, not exceeding 90% of FD value.
• Overall maximum cap ₹5,00,000.

Verified · Key Fact Statement (KFS) – Stable Money SSFB RuPay Select Credit Card (Nov 2025) · 2026-08-03 · source

Official terms

https://suryoday.bank.in/personal/cards/credit-cards/secured-ssfb-rupay-select/.

Verified · Suryoday SFB Stable Money Rupay Select Credit Card product page · 2026-08-03 · source